This can be the knowledge base for YOUR Real Estate IRA website.

Your IRA or 401(k) Funds Can Buy Real Estate

You might not realize it but an IRA can invest in real estate instead of stocks and bonds. The rental income generated by IRA owned real estate, plus any profit from sale all goes right into your IRA just like dividends and gains from stocks or bonds. Your IRA doesn’t even have to have the entire purchase price of a property; the IRA can partner with a person, company/entity, or another IRA, or it can secure a non-recourse loan to buy real estate.

Since my clients are often unaware of the process for buying real estate with their retirement plan, I created this special information page to help. Please download the report and/or submit questions about either the real estate purchase itself, or the retirement plan rules and process. I have arranged for the Self-Directed IRA specialists at New Direction IRA to answer questions about account processes and IRS rules while I am available to help with finding and choosing a property.

Of course, I am always happy to help with any real estate purchases you might have in mind, with retirement funds or not.

(NOTE: The IRS does not allow the IRA holder and certain family members to live in, work on, or use real estate assets while they are held by the IRA.)

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What Types of Real Estate Can an IRA Hold?

There are no restrictions on the type of real estate your retirement account can hold. However, your IRA provider must allow real estate as an investment option.

Residential

Single family residences, condominiums, manufactured homes, mobile homes, and more.

Multi-Family

Anything from a duplex to a 100-unit apartment building is eligible for IRA ownership.

Commercial

Offices, warehouses, retail centers, parking structures, car washes, and more.

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Rental Property Case Study

Suppose your IRA Purchases 123 Scenic Dr. for $150,000 cash.
Monthly Rent: $1,100
Less: Management Fee (optional): $(150)
Less: Property Taxes & Insurance: $(220)
Less: Vacancy & Maintenance Costs: $(170)
Monthly Net Income: $560
Anticipating 4%/yr appreciation over 5 years:
Future Expected Home Value: $182,500
Total Net Rents:$33,600

Annual Rate of Return: 8.8%

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